Text Message Banking Terms & Conditions

First National Bank of LaGrange Text Message Banking Agreement

First National Bank of LaGrange ("the Bank") Text Message Banking is a service provided by the First National Bank of LaGrange. By using First National Bank of LaGrange Text Message Banking, you (the customer) agree to the following terms and conditions:

The terms and conditions in this Agreement are in addition to, and do not supersede or replace, any other agreements applicable to any of your accounts with us.

You are responsible for any and all charges, including, but not limited to, fees otherwise applicable to your account(s) and fees associated with text messaging imposed by your communications service provider. Standard message charges may apply. Such charges may include those from your communications service provider.

The Bank will never send a Text Message Banking message that asks you to supply any sensitive personal or financial information such as your social security number or your account number. We will not send you marketing messages through our Text Message Banking service. If you receive such requests, do not respond and contact us immediately (see Personal Banking Department below).

The Bank may send text messages to you through your communication service provider. You agree that your communication services provider is acting as your agent in this capacity.

You agree to provide a valid phone number for this service so that we may send you certain information about your applicable account. The Bank will determine what information is made available through this service. The Bank is not be liable for losses or damages caused in whole or in part by your actions that result in any disclosure of account information to third parties.

You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.

Text Message Banking is provided for your convenience and does not replace your periodic account statement(s), which are the official record of your accounts.

You agree to protect your communications device that receives information through this service and not to let any unauthorized person have access to the information we provide to you through this service. We will take reasonable care to ensure that any text messages we send reach you and that they are accurate and complete. However, we cannot guarantee this as it depends upon the reliability of the text messaging service provider and the network operator for your mobile phone(s) as well as geographic, atmospheric and other conditions or circumstances beyond our control. First National Bank of LaGrange does not assume any liability to you if you suffer loss due to the text message not being received accurately or at all.

Receipt of account information sent by Text Message Banking may be delayed or impacted by factor(s) outside of the Bank's control, including your phone carrier. First National Bank of LaGrange Text Message Banking is only available to customers who have consumer deposit account with us or such other accounts that we may decide to make available for this service.

To stop receiving all text messages from our system, type "stop" and send it to short code 42265.

For any questions about Text Message Banking, please contact a Personal Banker at 708.482.7700.